Answer: NeverExplanation: Damage caused by vermin, rodents, insects or domestic animals is not cover except in the even of broken glass or safety glazing materials which is part of the building, when cause by birds, vermin, rodents, insects or domestic animals. Subject to the policy deductible.

Answer: In some casesExplanation: Upon purchase, homes are inspected. When a home is first insured, the home is inspected. If there is termite damage discovered during the initial inspection, then recommendations will be made to correct it. For a home that's been occupied and insured for a while, if termite damage is discovered, then the claims adjusted will look for factors to see if preventive measures have been made before processing the claim. It's the homeowner's responsibility to make their home less attractive to termites, such as being free of debris and standing water.